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UL 3-D Secure 2.0

UL's eCommerce rapid adoption solution

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UL enables fast & smooth implementation of EMV® 3-D Secure

eCommerce sales are growing rapidly, and are expected to double their share of total retail sales over the next 5 years. Although there is strong growth, merchants must protect themselves and their customers against hacking, fraud, and identity theft. The revenue loss and damage to brand reputation can undo even the most successful merchants. Balancing fraud prevention against false declines is an increasing challenge that directly impacts revenue results.


Just as EMV secures payments in the physical world (card + cardholder), now EMV® 3D Secure is an additional authentication protocol for the digital, card-not-present (CNP) world that includes in-app, mobile, and web browser purchases.

EMVCo’s brand-neutral specification for EMV® 3-D Secure facilitates and encourages interoperability. Moreover, EMV® 3-D Secure supports non-payment authentication for identification & verification (ID&V), secure card on file verification, and digital enablement.

For Acquirers, Issuers, 3-D Secure Component Providers or Payment Service Providers, UL’s fully integrated solution provides effective outcomes and enables faster market access. UL has developed a proven solution for successful launch and delivery. 

  • Stage 1 - we guide you through the decision-making process on whether to build or buy 3-D Secure components by carefully assessing your current scenario, building the business case and planning the technical architecture.
  • Stage 2 - We can support you in selecting the right vendor(s) that complies with your business and technical requirements. We can also further help you implement in the fastest pace by performing a Component Readiness assessment, building the security design and help you prepare for the new 3DS PCI requirements. All with the end result for you to fully comply your 3DS components with EMVCo, the payment schemes and PCI.